If your social security contribution base in Zhoushan, Zhejiang is 20,100 yuan, here's an estimate of how much you can get:
- Pension calculation:
- Basic pension: It is related to the pension calculation base of the year of retirement and the average contribution index. The formula is: Basic pension = (Retirement - year pension calculation base + Retirement - year pension calculation base × Average contribution index) ÷ 2 × Contribution years × 1%. For example, if the pension calculation base in the year of your retirement is assumed to be 8000 yuan, and assuming you have a long - term contribution with an average contribution index of 1 (taking the base as a reference), and a contribution period of 30 years, then the basic pension = (8000 + 8000×1)÷2×30×1% = 2400 yuan.
- Personal - account pension: The formula is: Personal - account pension = Personal - account storage amount ÷ 计发月数. If you contribute 8% of your salary to the personal account every month, the monthly contribution amount is 20100×8% = 1608 yuan. Assuming you contribute for 30 years, and the annual interest rate of the personal account is 5% (for example), through compound - interest calculation, the personal - account storage amount will be a relatively large number. For example, if the personal - account storage amount is 600,000 yuan when you retire at the age of 60 (计发月数 is 139), then the personal - account pension = 600000÷139≈4317 yuan.
- Medical insurance:
- The amount reimbursed by medical insurance is related to your medical expenses, the reimbursement ratio, and the deductible line. Generally, for in - patient expenses, after reaching the deductible line (for example, 800 yuan in Zhoushan), the reimbursement ratio may be around 70% - 90% for different levels of hospitals. If you have a medical expense of 10,000 yuan for hospitalization in a tertiary - level hospital, and the reimbursement ratio is 80%, the reimbursable amount = (10000 - 800)×80% = 7360 yuan.
- Unemployment insurance:
- The amount of unemployment insurance benefits is related to the local minimum wage standard. In Zhoushan, the unemployment insurance benefits are generally 80% of the local minimum wage. If the local minimum wage is 2000 yuan, the monthly unemployment insurance benefit is 2000×80% = 1600 yuan. But to receive unemployment insurance benefits, certain conditions need to be met, such as contributing to unemployment insurance for a certain period and non - voluntary unemployment.
- Work - related injury insurance:
- Work - related injury insurance benefits are mainly used to compensate for work - related injuries. The compensation amount is calculated according to the degree of work - related injury. For example, for a first - degree work - related injury, the compensation may include a large - amount of one - time disability subsidy, monthly disability allowance, etc. If it is a first - degree work - related injury, the one - time disability subsidy may be dozens of months of salary, and the monthly disability allowance is also a certain proportion of the salary.
- Maternity insurance:
- Maternity insurance benefits include maternity leave pay and medical expenses for childbirth. Maternity leave pay is generally calculated based on the average monthly salary of the employer in the previous year. If the average monthly salary of the employer in the previous year is 8000 yuan, and the maternity leave is 128 days (in Zhejiang), the maternity leave pay = 8000÷30×128≈34133 yuan. And the medical expenses for childbirth are reimbursed according to the relevant regulations, generally covering expenses such as examination fees, delivery fees, etc.
It should be noted that the above calculations are for reference only. The actual amount of social security benefits is affected by many factors such as policy adjustments, personal contribution years, and specific medical and work - related situations.
presented are complex and rely on various assumptions. If you want more accurate figures, it's advisable to consult Zhoushan's local social security department. They can provide personalized calculations based on your specific contribution history and current policies.
